Workers' Compensation by state

Workers' compensation requirements in Maine

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Does Maine require workers' compensation insurance?

Yes. Maine requires workers' compensation coverage once a business has one or more employees, under the Maine Workers' Compensation Act of 1992. Maine requires most employers with one or more employees to carry workers' compensation coverage. Coverage is provided through private insurers or an approved self-insurance program.

Reviewed by Cornerstone Staff28 years of financial services state licensing experienceLast verified July 29, 2026

How the mandate works

Maine requires most employers with one or more employees to carry workers' compensation coverage. Coverage is provided through private insurers or an approved self-insurance program.

Coverage trigger: One or more employees
If you go without coverage: Employers without required coverage can face substantial per-day civil penalties and personal liability for an injured worker's benefits.

Notable exemptions

Exemptions are narrow and fact-specific; confirm your situation with the regulator or an agent before relying on one.

Sole proprietors and partners, who may elect coverage
Certain agricultural and aquacultural labor below statutory limits
Some domestic workers and casual employment

Statutes and sources

Maine Workers' Compensation Act of 1992

Me. Rev. Stat. Ann. tit. 39-A, sect. 101 et seq.

Regulator: Maine Workers' Compensation Board . Last verified 2026-07-29 from the official source .

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